Banking Services for Everyone? Barriers to Bank Access and Use around the World

Beck, Thorsten ; Demirguc-Kunt, Asli ; Martinez Peria, Maria Soledad

World Bank, Washington, DC

关键词: ACCOUNT;    ADVERSE SELECTION;    AGENCY PROBLEMS;    ASYMMETRIC INFORMATION;    BANK ACCOUNTS;   

DOI  :  10.1596/1813-9450-4079
RP-ID  :  WPS4079

学科分类：社会科学、人文和艺术（综合）

来源: World Bank Open Knowledge Repository

【 摘 要 】

Using information from 193 banks in 58 countries, the authors develop and analyze indicators of physical access, affordability, and eligibility barriers to deposit, loan, and payment services. They find substantial cross-country variation in barriers to banking and show that in many countries these barriers can potentially exclude a significant share of the population from using banking services. Correlations with bank- and country-level variables show that bank size and the availability of physical infrastructure are the most robust predictors of barriers. Further, the authors find evidence that in more competitive, open, and transparent economies, and in countries with better contractual and informational frameworks, banks impose lower barriers. Finally, though foreign banks seem to charge higher fees than other banks, in foreign dominated banking systems fees are lower and it is easier to open bank accounts and to apply for loans. On the other hand, in systems that are predominantly government-owned, customers pay lower fees but also face greater restrictions in terms of where to apply for loans and how long it takes to have applications processed. These findings have important implications for policy reforms to broaden access.